My credit is fucked and no one will finance me, ideas? - GoFuckYourself.com

-=HOAX=- · 03-19-2003, 04:46 PM

I want a new fucking car, NOW! Any ideas on how to get financing?

Juicy D. Links · 03-19-2003, 04:47 PM

on your knees

AdultNex · 03-19-2003, 04:47 PM

Make a site like: http://www.savekaryn.com

03-19-2003, 04:47 PM

Won't they lease cars these days to just about anyone?

Funbrunette · 03-19-2003, 04:47 PM

Sell your ass!

BJ · 03-19-2003, 04:47 PM

10,000 down should get you any car regardless of credit.

-=HOAX=- · 03-19-2003, 04:51 PM

Quote:

Originally posted by Funbrunette
Sell your ass!

Any takers?

03-19-2003, 04:52 PM

Quote:

Originally posted by -=HOAX=-

Any takers?

Do you shave it?

LiveDose · 03-19-2003, 04:54 PM

how fucked? do you still have deliquent unpaid accounts?

nocostporn · 03-19-2003, 04:54 PM

ask lens for a spot

Snapper · 03-19-2003, 04:55 PM

Quote:

Originally posted by -=HOAX=-

Any takers?

Is that you in the sig pic? What are you aksing for? Did you try posting your ass on ebay?

hybrid · 03-19-2003, 04:55 PM

Check this out - It'll take 3-4 weeks to do, and your credit should be a little shinier after around 4-6 months.

Go take $400.00 to a bank, and get a secured loan for 400, take that 400 and go to a second bank and do the same, take THAT 400 and go back tot he first bank and pay off that first secured loan, get your 400 bucks back and go to the second and third and do the same, getting back your 400 bucks after you pay all of them back. Wait a week between each borrow and payoff.

Each bank will report that you took out a loan and swiftly paid it in full.

gripcash · 03-19-2003, 04:58 PM

Quote:

Originally posted by hybrid
Check this out - It'll take 3-4 weeks to do, and your credit should be a little shinier after around 4-6 months.

Go take $400.00 to a bank, and get a secured loan for 400, take that 400 and go to a second bank and do the same, take THAT 400 and go back tot he first bank and pay off that first secured loan, get your 400 bucks back and go to the second and third and do the same, getting back your 400 bucks after you pay all of them back. Wait a week between each borrow and payoff.

Each bank will report that you took out a loan and swiftly paid it in full.

That's cute, but when you get a loan the banks check if you've applied for loans elsewhere recently, which raises the risk to them. Anybody know if this is possible for small amounts like this?

UmBongo · 03-19-2003, 05:01 PM

I hear there's a sale on at "Baghdad Auto's"

ronin · 03-19-2003, 05:03 PM

steal a new ID & SS #, worked for me...

hybrid · 03-19-2003, 05:04 PM

Quote:

That's cute, but when you get a loan the banks check if you've applied for loans elsewhere recently, which raises the risk to them. Anybody know if this is possible for small amounts like this?

Hence the "secured" loan.

-=HOAX=- · 03-19-2003, 05:05 PM

Quote:

Originally posted by LiveDose
how fucked? do you still have deliquent unpaid accounts?

Yeah, I'm pretty sure I do...I'll have to wait a week and see exactly what's still on it...I went a little credit card happy on a months stay in europe about 6 years ago...amdam's hash and hookers was the death of me...

Doesn't it only take like 7 years for shit to fall off your report?

-=HOAX=- · 03-19-2003, 05:06 PM

Quote:

Originally posted by hybrid
Hence the "secured" loan.

I think 2k is the smallest personal loan most any bank will dole out...

stocktrader23 · 03-19-2003, 05:06 PM

Quote:

Originally posted by -=HOAX=-
I want a new fucking car, NOW! Any ideas on how to get financing?

Buy your credit. I did it with only 5k and 0 income showing

. Just look for the hungry salesman.

wouncie · 03-19-2003, 05:06 PM

Giorgio_Xo · 03-19-2003, 05:07 PM

Go to the SSA and declare that someone has stolen and is using your SS #. Apply for a new #. Get a new mailing address in a different city. Voila...

iroc409 · 03-19-2003, 05:07 PM

Quote:

Originally posted by hybrid
Hence the "secured" loan.

i hear it works well.

stocktrader23 · 03-19-2003, 05:07 PM

Quote:

Originally posted by wouncie

aaaaahahaaaaahaahahaahaaa

foreverjason · 03-19-2003, 05:07 PM

looks pretty bad dude.

phogirl69 · 03-19-2003, 05:08 PM

Quote:

Originally posted by -=HOAX=-

Yeah, I'm pretty sure I do...I'll have to wait a week and see exactly what's still on it...I went a little credit card happy on a months stay in europe about 6 years ago...amdam's hash and hookers was the death of me...

Doesn't it only take like 7 years for shit to fall off your report?

7 years from the date paid, for delinquent accounts its 7 years
from the date the account went into a collection/charge off status.

-=HOAX=- · 03-19-2003, 05:09 PM

Quote:

Originally posted by stocktrader23

Buy your credit. I did it with only 5k and 0 income showing . Just look for the hungry salesman.

You mean drop a fat downpayment? I could do that...

directfiesta · 03-19-2003, 05:09 PM

Quote:

Originally posted by gripcash

That's cute, but when you get a loan the banks check if you've applied for loans elsewhere recently, which raises the risk to them. Anybody know if this is possible for small amounts like this?

Banks normally wont loan under 2500.00, at least up here ....

I bought a car with quite a bit of cash. I needed about 25% financing, $ 8.000.00 . They refused unless the loan was no less than $ 10,000.00 ...

hybrid · 03-19-2003, 05:10 PM

I'm not going to argue about bank policies. It's more than retarded. It works, if you don't believe me, call your financial institution.

-=HOAX=- · 03-19-2003, 05:10 PM

Quote:

Originally posted by wouncie

I'm a ski mask away from that option...the guns are already in the duffle...

phogirl69 · 03-19-2003, 05:13 PM

O'h yea and the way to get negative accounts deleted from your credit report is to contact your creditors and make an arrangement with them. Ask them if they are willing to delete the negative account completely off your credit report if you pay in full, and make sure they send you a letter stating that the account is to be removed after you pay them. And make sure that you then contact all the 3 credit bureaus and file a dispute:
"account to be deleted per credit grantor". The credit burea then will contact your creditor and verify that it's to be removed, and if the creditor confirms, the derog accnt will be removed!

Creditors do this ALL THE TIME.... If they say they can't do it, become ask for a supervisor...

Do this with all your negative accounts...

the Shemp · 03-19-2003, 05:16 PM

Many car dealers do in house financing if you have a decent size downpayment or deposit.

-=HOAX=- · 03-19-2003, 05:17 PM

Quote:

Originally posted by phogirl69
O'h yea and the way to get negative accounts deleted from your credit report is to contact your creditors and make an arrangement with them. Ask them if they are willing to delete the negative account completely off your credit report if you pay in full, and make sure they send you a letter stating that the account is to be removed after you pay them.

Creditors do this ALL THE TIME.... If they say they can't do it, become ask for a supervisor...

Do this with all your negative accounts...

I'm thinking this is a better option than trying to buy it all from a dealer.

The shitty thing is this...there's no more than like 2k in delinquincy or collections on my credit. My limits weren't that high and I did pay some back...I'm amazed that 2k can turn your credit this bad...

GTS Mark · 03-19-2003, 05:45 PM

Are all your loans paid off that were delinquent? Sorry if you answered this above?

DH

the Shemp · 03-19-2003, 05:57 PM

Quote:

Originally posted by -=HOAX=-

I'm thinking this is a better option than trying to buy it all from a dealer.

The shitty thing is this...there's no more than like 2k in delinquincy or collections on my credit. My limits weren't that high and I did pay some back...I'm amazed that 2k can turn your credit this bad...

Even if you pay your debts off, the record of the delinquency remains with the credit bureau. Any creditor will know you had financial problems. Talk to a car dealer, they know how to do it

-=HOAX=- · 03-19-2003, 06:02 PM

Anyone know if deliquincies fall off your report completely after 7 years?

Marcus · 03-19-2003, 06:02 PM

Quote:

Originally posted by -=HOAX=-

Doesn't it only take like 7 years for shit to fall off your report?

Yup, 7 years.

maybe this place can help you
http://www.interest.com/cgi-bin/ubb/...dit+Talk+Forum

European Lee · 03-19-2003, 06:06 PM

Walk into your nearest branch of Bank Of America with a shotgun and ski-mask.

If you ask them to give you all their money whilst waving the shotgun around your monetary problems will be solved

However, you just have to figure out how you make it outta the bank alive

Regards,

Lee

FlyingIguana · 03-19-2003, 06:09 PM

Quote:

Originally posted by gripcash

That's cute, but when you get a loan the banks check if you've applied for loans elsewhere recently, which raises the risk to them. Anybody know if this is possible for small amounts like this?

its a secured loan tho, if you default they have your money.

traffic addict · 03-19-2003, 06:11 PM

Send us some traffic that should do it

KRL · 03-19-2003, 06:14 PM

You need to go to a buy here finance here dealer. Small car dealers that carry their own paper.

There's a few services on the Net also.

http://badcreditcarloans.com/

JeremySF · 03-19-2003, 06:18 PM

Quote:

Originally posted by phogirl69
O'h yea and the way to get negative accounts deleted from your credit report is to contact your creditors and make an arrangement with them. Ask them if they are willing to delete the negative account completely off your credit report if you pay in full, and make sure they send you a letter stating that the account is to be removed after you pay them. And make sure that you then contact all the 3 credit bureaus and file a dispute:
"account to be deleted per credit grantor". The credit burea then will contact your creditor and verify that it's to be removed, and if the creditor confirms, the derog accnt will be removed!

Creditors do this ALL THE TIME.... If they say they can't do it, become ask for a supervisor...

Do this with all your negative accounts...

Hi, have personally done this?

I'm in the process of doing it myself, and I'm having success when I work directly with the creditor, but not when it's through a collections agency. They couldn't give a shit.

Also, can you still do this if they've written the loan off as bad?

stocktrader23 · 03-19-2003, 06:19 PM

Quote:

Originally posted by -=HOAX=-

You mean drop a fat downpayment? I could do that...

Yes, I bought my first new car in 2001. All I had were some fat 3 month old sponsor checks and $5000 cash when I walked in. The salesman set it all up. I have no idea what he did but he told me he would take care of it. It was only an $18,000 car but he told me he could get me pretty much anything I wanted for $5000 to $7000 down.

KRL · 03-19-2003, 06:22 PM

-=HOAX=- · 03-19-2003, 06:24 PM

Thanks for all the info guys...

pornjudge · 03-19-2003, 07:28 PM

Quote:

Originally posted by -=HOAX=-
I want a new fucking car, NOW! Any ideas on how to get financing?

Pay all your depts & wait 7 years before applying for any kind of credit

AmeliaG · 03-19-2003, 07:34 PM

Quote:

Originally posted by -=HOAX=-
Anyone know if deliquincies fall off your report completely after 7 years?

Simple debts like credit cards fall off after it has been seven years since they went delinquent. I believe that if you make a payment that resets the clock. So you might think you were doing good sending them $20 to show good faith, but you would be actually keeping the delinquency on your record for another seven years.

It is easier to finance buying a new car than any other kind of credit. They know they can just take the car back if you do not pay. If the first dealership says no, just shop around. You might get a sucky percentage, but you also get to establish credit.

cold_ice · 03-19-2003, 07:42 PM

Quote:

Originally posted by ronin
steal a new ID & SS #, worked for me...

Yeah that kind of shit is fucked up my bro had his idenity stolen and its a bitch to get things right. The other person even was nice enough to a few tickets under my bros name.

I think there are people out there that will fix your credit for you for a fee. They make all the late fees and shit like that go away.

WendyB · 03-19-2003, 07:45 PM

If all else fails. Pay your bills.

AllisonWonderland · 03-19-2003, 08:10 PM

Quote:

Originally posted by cold_ice
I think there are people out there that will fix your credit for you for a fee. They make all the late fees and shit like that go away.

Those are scams. I read on MSN recently where credit bureaus will notate your account if they discover you are using a "credit repair clinic". $2k is nothing, do what was suggested earlier - negotiate with the creditor to remove the entry in exchange for payment.

smut416 · 03-19-2003, 08:18 PM

Quote:

Originally posted by Giorgio_Xo
Go to the SSA and declare that someone has stolen and is using your SS #. Apply for a new #. Get a new mailing address in a different city. Voila...

Good idea, does this fucking work??

03-19-2003, 04:46 PM	#1
-=HOAX=- Confirmed User Join Date: Dec 2001 Location: CrackYaMental Posts: 4,365	My credit is fucked and no one will finance me, ideas? I want a new fucking car, NOW! Any ideas on how to get financing? __________________ Insert Value Here.

03-19-2003, 04:47 PM	#5
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03-19-2003, 04:54 PM	#9
LiveDose Show Yer Tits! Industry Role: Join Date: Feb 2002 Location: Somewhere Out there... Posts: 25,792	how fucked? do you still have deliquent unpaid accounts? __________________ Scammer Alert: acer19 acer [email protected] [email protected] Money stolen using PayPal

03-19-2003, 04:54 PM	#10
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03-19-2003, 05:06 PM	#20
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03-19-2003, 04:47 PM	#2
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	on your knees

03-19-2003, 04:47 PM	#3
AdultNex Confirmed User Join Date: Feb 2003 Location: Bostonnnn Posts: 8,985	Make a site like: http://www.savekaryn.com

03-19-2003, 04:47 PM	#4
evildick Guest Posts: n/a	Won't they lease cars these days to just about anyone?

03-19-2003, 04:47 PM	#6
BJ Confirmed User Join Date: Mar 2002 Location: asia Posts: 5,590	10,000 down should get you any car regardless of credit.

03-19-2003, 04:55 PM	#12
hybrid So Fucking Banned Join Date: Jul 2002 Location: Backseat of a Ford Escort Hatchback Posts: 3,253	Check this out - It'll take 3-4 weeks to do, and your credit should be a little shinier after around 4-6 months. Go take $400.00 to a bank, and get a secured loan for 400, take that 400 and go to a second bank and do the same, take THAT 400 and go back tot he first bank and pay off that first secured loan, get your 400 bucks back and go to the second and third and do the same, getting back your 400 bucks after you pay all of them back. Wait a week between each borrow and payoff. Each bank will report that you took out a loan and swiftly paid it in full.

03-19-2003, 05:01 PM	#14
UmBongo Registered User Join Date: Jan 2003 Posts: 23	I hear there's a sale on at "Baghdad Auto's"

03-19-2003, 05:03 PM	#15
ronin Confirmed User Join Date: Aug 2002 Location: Main St. Posts: 1,300	steal a new ID & SS #, worked for me...

03-19-2003, 05:07 PM	#21
Giorgio_Xo Confirmed User Join Date: Mar 2003 Location: Las Vegas, NV Posts: 4,263	Go to the SSA and declare that someone has stolen and is using your SS #. Apply for a new #. Get a new mailing address in a different city. Voila... __________________ Make Levees, Not War

03-19-2003, 05:07 PM	#24
foreverjason Confirmed User Join Date: Mar 2003 Posts: 1,452	looks pretty bad dude.

03-19-2003, 05:10 PM	#28
hybrid So Fucking Banned Join Date: Jul 2002 Location: Backseat of a Ford Escort Hatchback Posts: 3,253	I'm not going to argue about bank policies. It's more than retarded. It works, if you don't believe me, call your financial institution.

03-19-2003, 05:13 PM	#30
phogirl69 Confirmed User Join Date: Jul 2001 Posts: 3,330	O'h yea and the way to get negative accounts deleted from your credit report is to contact your creditors and make an arrangement with them. Ask them if they are willing to delete the negative account completely off your credit report if you pay in full, and make sure they send you a letter stating that the account is to be removed after you pay them. And make sure that you then contact all the 3 credit bureaus and file a dispute: "account to be deleted per credit grantor". The credit burea then will contact your creditor and verify that it's to be removed, and if the creditor confirms, the derog accnt will be removed! Creditors do this ALL THE TIME.... If they say they can't do it, become ask for a supervisor... Do this with all your negative accounts... Last edited by phogirl69; 03-19-2003 at 05:15 PM..

03-19-2003, 05:16 PM	#31
the Shemp congrats to the winners Industry Role: Join Date: Nov 2001 Location: Echo Beach Posts: 10,891	Many car dealers do in house financing if you have a decent size downpayment or deposit. __________________ i use Vacares...so should you Submit your picture galleries to my site...Outlaw TGP

03-19-2003, 05:45 PM	#33
GTS Mark Vrume Mark Industry Role: Join Date: Jan 2001 Location: Toronto, Canada Posts: 20,912	Are all your loans paid off that were delinquent? Sorry if you answered this above? DH

03-19-2003, 06:02 PM	#35
-=HOAX=- Confirmed User Join Date: Dec 2001 Location: CrackYaMental Posts: 4,365	Anyone know if deliquincies fall off your report completely after 7 years? __________________ Insert Value Here.

03-19-2003, 06:06 PM	#37
European Lee Confirmed User Join Date: Dec 2002 Location: Daytona Beach Posts: 7,133	Walk into your nearest branch of Bank Of America with a shotgun and ski-mask. If you ask them to give you all their money whilst waving the shotgun around your monetary problems will be solved However, you just have to figure out how you make it outta the bank alive Regards, Lee __________________ YOUR TRAFFIC IS SAFE WITH US - CONDOM CASH PUTTING THE GAY ADULT INDUSTRY ON YOUR PC!! AFFORDABLE 2257 COMPLIANT GAY + BI CONTENT

03-19-2003, 06:11 PM	#39
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03-19-2003, 06:14 PM	#40
KRL Entrepreneur Join Date: Oct 2002 Location: USA Posts: 31,429	You need to go to a buy here finance here dealer. Small car dealers that carry their own paper. There's a few services on the Net also. http://badcreditcarloans.com/ __________________ If you would like to develop your domains, you can lease inexpensive foreign labor from the leaders in the field at iWebmasters.com TO LOWER YOUR COSTS AND INCREASE YOUR PRODUCTION! * * * * * * * * * * * * Domains Adult News KRL's Newsletter Biz Tips Just Listed Domains

03-19-2003, 06:22 PM	#43
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03-19-2003, 06:24 PM	#44
-=HOAX=- Confirmed User Join Date: Dec 2001 Location: CrackYaMental Posts: 4,365	Thanks for all the info guys... __________________ Insert Value Here.

03-19-2003, 07:45 PM	#48
WendyB Confirmed User Join Date: Oct 2002 Location: Woodinville Posts: 538	If all else fails. Pay your bills. __________________ An act of kindness is a wonderful gift